Latest Work
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Interest Nation: The State of America’s Credit Card Debt Crisis
This joint report by The Century Foundation and Protect Borrowers reveals how President Trump’s affordability crisis is pushing millions of American families further into credit card debt. The report analyzes consumer credit panel data which shows that over 40 percent of U.S. adults (and roughly half of all active credit card holders) cannot afford to pay off their credit card bills each month, exposing them to sky-high interest rates.
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Bilt 2.0 Supervision Letter and Customer Complaint Catalog
Protect Borrowers sent an urgent letter to the CFPB warning of the new “Bilt 2.0” credit card risks and the need for risk-based supervision. We also compiled a catalog of public reviews of Bilt 2.0 showcasing issues with missed rent and outrage with customer service.
More
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Testimony of Chris Hicks Before the MN House Committee on Workforce, Labor, and Economic Development Finance and Policy
See here to read Chris Hick’s March 11, 2026, testimony.
More
Latest Work
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Interest Nation: The State of America’s Credit Card Debt Crisis
This joint report by The Century Foundation and Protect Borrowers reveals how President Trump’s affordability crisis is pushing millions of American families further into credit card debt. The report analyzes consumer credit panel data which shows that over 40 percent of U.S. adults (and roughly half of all active credit card holders) cannot afford to pay off their credit card bills each month, exposing them to sky-high interest rates.
More
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Bilt 2.0 Supervision Letter and Customer Complaint Catalog
Protect Borrowers sent an urgent letter to the CFPB warning of the new “Bilt 2.0” credit card risks and the need for risk-based supervision. We also compiled a catalog of public reviews of Bilt 2.0 showcasing issues with missed rent and outrage with customer service.
More
-
Testimony of Chris Hicks Before the MN House Committee on Workforce, Labor, and Economic Development Finance and Policy
See here to read Chris Hick’s March 11, 2026, testimony.
More
Latest Work
-
Interest Nation: The State of America’s Credit Card Debt Crisis
This joint report by The Century Foundation and Protect Borrowers reveals how President Trump’s affordability crisis is pushing millions of American families further into credit card debt. The report analyzes consumer credit panel data which shows that over 40 percent of U.S. adults (and roughly half of all active credit card holders) cannot afford to pay off their credit card bills each month, exposing them to sky-high interest rates.
More
-
Bilt 2.0 Supervision Letter and Customer Complaint Catalog
Protect Borrowers sent an urgent letter to the CFPB warning of the new “Bilt 2.0” credit card risks and the need for risk-based supervision. We also compiled a catalog of public reviews of Bilt 2.0 showcasing issues with missed rent and outrage with customer service.
More
-
Testimony of Chris Hicks Before the MN House Committee on Workforce, Labor, and Economic Development Finance and Policy
See here to read Chris Hick’s March 11, 2026, testimony.
More
Latest Work
-
Interest Nation: The State of America’s Credit Card Debt Crisis
This joint report by The Century Foundation and Protect Borrowers reveals how President Trump’s affordability crisis is pushing millions of American families further into credit card debt. The report analyzes consumer credit panel data which shows that over 40 percent of U.S. adults (and roughly half of all active credit card holders) cannot afford to pay off their credit card bills each month, exposing them to sky-high interest rates.
More
-
Bilt 2.0 Supervision Letter and Customer Complaint Catalog
Protect Borrowers sent an urgent letter to the CFPB warning of the new “Bilt 2.0” credit card risks and the need for risk-based supervision. We also compiled a catalog of public reviews of Bilt 2.0 showcasing issues with missed rent and outrage with customer service.
More
-
Testimony of Chris Hicks Before the MN House Committee on Workforce, Labor, and Economic Development Finance and Policy
See here to read Chris Hick’s March 11, 2026, testimony.
More
Latest Work
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Tiffany Aliche’s Testimony at Senator Warren’s Spotlight Forum, “Stealing the American Dream: How Trump and Republicans Are Raising Education Costs for American Families”
See here to read Tiffany Aliche’s May 14, 2025 testimony.
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Fact Sheet: Student Debt Default Crisis By the Numbers
The data underscore how default has disastrous consequences for borrowers and their families. For many, default is a lifetime sentence, and America’s most vulnerable communities—older, low-income, borrowers with disabilities, and Black borrowers—are disproportionately impacted.
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AFT and SBPC Letters to OIGs on Probe Corruption
AFT and SBPC urge the Inspectors General for the ED and the CFPB to probe these agencies’ handling of their shared oversight responsibility over the $1.6 trillion federal student loan market.
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Deep Dive: House Reconciliation Bill Makes Paying for College More Expensive and Risky for Students and Working Families
This SBPC Deep Dive is a preliminary economic analysis of the House Education & Workforce Committee’s legislation on student loan repayment.
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Tasha Berkhalter’s Testimony at Senator Murray’s Spotlight Forum, “Abandoning America’s Promise: The Real Cost of Dismantling the Department of Education”
See here to read Tasha Berkhalter’s testimony from May 6, 2025.
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Coalition Comment Letter to U.S. Department of Education in Response to Intent to Establish Negotiated Rulemaking
186 organizations representing millions crushed under the weight of student loan debt submitted a comment in response to ED’s notice of its intent to establish negotiated rulemaking aimed at overhauling the rules that protect people from unaffordable student loan debt.
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Preliminary Economic Analysis of Budget Reconciliation Proposal on Student Loan Repayment
Ahead of the House Education and Workforce Committee’s mark up, Republican leaders on the committee released their draft budget reconciliation bill. In response, SBPC sent a letter to the Committee Chairman Tim Walberg and Ranking Member Bobby Scott warning of the dire economic effects posed by this legislation.
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Oral Comment of Persis Yu Opposing Attempts to Gut IDR and Limit PSLF
Read the full remarks of Persis Yu before ED.
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Predatory Tech Company Prehired Defies Government Order to Cease Operations and Continues Defrauding Students as “FastTrack”
SBPC released the results of a months-long investigation into the tech company Prehired, exposing how the firm had resumed its scheme to push worthless credentials on students, paid for via its own predatory private student lending operation.
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AFT v. U.S. Department of Education Lawsuit Fact Sheet
Trump Education Department’s broken promises lead to unaffordable monthly payments and deny public service workers progress towards debt relief, according to new lawsuit.
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